Best Cheap Auto Insurance in Watertown, CT (2021)

The average Watertown, CT auto insurance rates are $403 per month. The minimum auto insurance in Watertown is at least 25/50/20 in coverage to comply with Connecticut auto insurance laws. To find the best cheap auto insurance in Watertown, Connecticut, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Watertown, Connecticut is 25/50/20
  • The most expensive auto insurance company in Watertown for teen drivers is Liberty Mutual
  • Average auto insurance rates in Watertown, CT for senior drivers are $2,418 per year

Watertown, Connecticut auto insurance requirements are 25/50/20 according to Connecticut auto insurance laws. Finding cheap auto insurance in Watertown can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Watertown, Connecticut, including driving record, credit, commute time, and more.

Compare auto insurance in Watertown to other Connecticut cities, including Danbury auto insurance rates, Bridgeport auto insurance rates, and New Haven auto insurance rates to see how Watertown, Connecticut auto insurance rates stack up.

Before you buy Watertown, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Watertown, Connecticut auto insurance quotes.

Minimum Auto Insurance in Watertown, Connecticut

Watertown, Connecticut auto insurance laws require that you have at least the Connecticut minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Watertown, Connecticut.

Minimum Required Auto Insurance Coverage in Watertown, Connecticut

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $20,000 minimum

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Cheap Watertown, Connecticut Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Watertown, Connecticut are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Watertown, Connecticut

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,874 $3,820 $3,574 $3,831 $11,771 $13,885 $4,040 $4,215
GEICO $2,349 $2,356 $2,178 $2,196 $5,409 $6,416 $2,267 $2,205
Liberty Mutual $3,598 $3,920 $2,772 $3,427 $17,912 $20,215 $3,635 $3,964
Nationwide $2,410 $2,436 $2,164 $2,270 $6,725 $8,535 $2,800 $3,012
Progressive $2,928 $2,726 $2,496 $2,597 $12,325 $13,676 $3,346 $3,762
State Farm $1,852 $1,852 $1,704 $1,704 $5,639 $7,096 $2,083 $2,388
Travelers $1,814 $1,841 $1,810 $1,804 $13,903 $22,479 $1,972 $2,213
USAA $2,240 $2,214 $2,093 $2,064 $7,139 $7,477 $3,009 $3,112

Cheap Watertown, Connecticut Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Watertown, Connecticut is a challenge. Take a look at the annual teen auto insurance rates in Watertown, Connecticut.

Annual Auto Insurance Rates for Teen Drivers in Watertown, Connecticut

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,771 $13,885
GEICO $5,409 $6,416
Liberty Mutual $17,912 $20,215
Nationwide $6,725 $8,535
Progressive $12,325 $13,676
State Farm $5,639 $7,096
Travelers $13,903 $22,479
USAA $7,139 $7,477

Cheap Watertown, Connecticut Auto Insurance for Seniors

What are senior auto insurance rates in Watertown, Connecticut? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Watertown, Connecticut

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,574 $3,831
GEICO $2,178 $2,196
Liberty Mutual $2,772 $3,427
Nationwide $2,164 $2,270
Progressive $2,496 $2,597
State Farm $1,704 $1,704
Travelers $1,810 $1,804
USAA $2,093 $2,064

Cheap Watertown, Connecticut Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Watertown, Connecticut compared to the annual auto insurance rates with a clean record in Watertown, Connecticut.

Annual Watertown, Connecticut Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,212 $6,460 $7,620 $5,212
GEICO $2,001 $2,624 $5,605 $2,458
Liberty Mutual $6,507 $8,142 $8,071 $7,001
Nationwide $3,086 $4,033 $4,620 $3,437
Progressive $4,671 $6,799 $4,915 $5,543
State Farm $2,829 $3,110 $3,110 $3,110
Travelers $4,817 $5,217 $7,583 $6,300
USAA $2,826 $3,557 $5,466 $2,826

Cheap Watertown, Connecticut Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Watertown, Connecticut is not easy. Compare the annual rates for DUI auto insurance in Watertown, Connecticut to find the best deal.

Annual Auto Insurance Rates After a DUI in Watertown, Connecticut

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,620
GEICO $5,605
Liberty Mutual $8,071
Nationwide $4,620
Progressive $4,915
State Farm $3,110
Travelers $7,583
USAA $5,466

Cheap Watertown, Connecticut Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Watertown, Connecticut annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Watertown, Connecticut

Insurance Company Poor Fair Good
Allstate $7,805 $5,899 $4,675
GEICO $4,615 $2,783 $2,118
Liberty Mutual $10,550 $6,574 $5,167
Nationwide $5,024 $3,373 $2,984
Progressive $5,961 $5,354 $5,131
State Farm $4,233 $2,708 $2,178
Travelers $6,784 $5,658 $5,497
USAA $4,851 $3,276 $2,879

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Cheap Watertown, Connecticut Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Watertown, Connecticut can vary. Compare the annual cost of auto insurance by ZIP code in Watertown, Connecticut to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Watertown, Connecticut

ZIP Code Average Annual Rates
6795 $4,886

Cheap Watertown, Connecticut Auto Insurance Rates By Commute

Commute length and annual mileage affect Watertown, Connecticut auto insurance. Find the cheapest annual Watertown, Connecticut auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Watertown, Connecticut

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,126 $6,126
GEICO $3,124 $3,220
Liberty Mutual $7,430 $7,430
Nationwide $3,794 $3,794
Progressive $5,482 $5,482
State Farm $2,964 $3,115
Travelers $5,979 $5,979
USAA $3,624 $3,713

Cheap Watertown, Connecticut Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Watertown, Connecticut? Check out the comparison of annual Watertown, Connecticut auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Watertown, Connecticut

Insurance Company Low Medium High
Allstate $5,714 $6,116 $6,549
GEICO $2,938 $3,132 $3,446
Liberty Mutual $7,117 $7,369 $7,806
Nationwide $3,851 $3,826 $3,705
Progressive $5,097 $5,432 $5,917
State Farm $2,846 $3,045 $3,227
Travelers $5,518 $5,936 $6,483
USAA $3,411 $3,672 $3,922

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Best By Category: Cheapest Auto Insurance in Watertown, Connecticut

Compare the cheapest auto insurance companies in Watertown, Connecticut in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Watertown, Connecticut

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

The Cheapest Watertown, Connecticut Auto Insurance Companies

What auto insurance companies in Watertown, Connecticut are the cheapest? Compare the top Watertown, Connecticut auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Watertown, Connecticut

Insurance Company Average Annual Rates
Allstate $6,126
GEICO $3,172
Liberty Mutual $7,430
Nationwide $3,794
Progressive $5,482
State Farm $3,040
Travelers $5,979
USAA $3,668

What affects auto insurance rates in Watertown, Connecticut?

There are a lot of reasons why auto insurance rates in Watertown, Connecticut are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Watertown, Connecticut. Many local factors may affect your Watertown auto insurance rates.

Watertown Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Watertown, Connecticut commute length is 21.6 minutes according to City-Data.

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Compare Watertown, Connecticut Auto Insurance Quotes

Before you buy Watertown, Connecticut auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Watertown, Connecticut auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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